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Atlas Group The Atlas Group plan from Tokio Marine HCC – MIS Group, a member of Tokio Marine HCC, is with you andyour group of 5 or more almost anywhere you may travel in the world. Atlas Group coverage is designed formission trips, large family vacations, student groups, corporate groups, and overseas excursions for other largeorganizations.
Whatever the reason,traveling internationallywith a large group shouldbe a pleasant experience.Complications andemergencies such as illness,injury, and natural disastersare a fact of life, and can beeven tougher to managefor a large group of people.While we hope none of theseincidents happen. we’re hereto help if they do.That’s why Atlas Groupprovides coverage forunexpected medical expensesas well as emergency travelbenefits and multilingual travelassistance services.My family has medical insurance in ourinsurance group conducting businesshome country; do we need group travelin approximately 180 countries andmedical insurance?underwriting more than 100 classes ofOften, the primary medical insurance inspecialty insurance. Headquartered inyour home country will not cover you andHouston, Texas, the company is made upyour family while traveling internationally,of highly entrepreneurial teams equippedand medical expenses can be very costlyto underwrite special situations, compa-while abroad. Atlas Group plans offernies and individuals, acting independentlybudget-friendly coverage—plans start atto deliver effective solutions. Our prod-less than 1 a day!ucts and capabilities set the standard forAdditionally, Atlas Group includesimportant travel assistance services suchas translation assistance while beingtreated, doctor and hospital referrals, andassistance replacing lost prescriptions.the industry, as many of our nearly 2,500employees are industry-leading experts.Tokio Marine HCC is part of Tokio Marine,a premier global company with a marketcap of approximately 30 billion.* TokioMarine HCC holds a financial strengthAfter purchasing coverage, how can Irating of AA- for Standard & Poor’s andtrust the company to be there if I needFitch Ratings and A (Superior) by A.M.them?Best Company.Tokio Marine HCC – MIS Group,For more information about Atlas Group,headquartered in the United States inplease visit hccmis.com.Indianapolis, Indiana, is a full-service*At the time of printing. For more information onthese ratings, please visit: www.standardandpoors.com, www.ambest.com, and www.fitchratings.com.company offering international medicalinsurance products designed to meetneeds of consumers worldwide.Tokio Marine HCC is a leading specialty
Atlaas Grroupp Schhedule of Beeneefits and LimitsPLAN DETAILSDeductiblesOverall Maximum LimitCoinsurance 0, 100, 250, 500, 1,000, 2,500 or 5,000 per certificate period.Age 80 or older - 10,000; Age 70 to 79 - 50,000, 100,000, or 250,000; All others - 50,000, 100,000, 250,000, 500,000, 1,000,000, or 2,000,000.We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.Eligible expenses are subject to deductible, overall maximum limit, and are per certificate period unless specifically indicated otherwise.BENEFITLIMITHospital Room and BoardLocal AmbulanceIntensive Care UnitAverage semi-private room rate, including nursing services.Usual, reasonable and customary charges when covered illness or injury results in hospitalization as inpatient.Up to the overall maximum limit.Claims incurred in U.S.You shall be responsible for a 200 co-payment for each use of emergency room for an illness you are admitted tothe hospital.There will be no copayment for emergency room treatment of an injury.Claims incurred outside the U.S.No co-paymentClaims incurred in U.S.For each visit, you shall be responsible for a 15 co-payment– co-payment is waived for members with a 0 deductible– not subject to deductibleClaims incurred outside the U.S.No co-paymentUp to 50 maximum per day. Must be ordered in advance by a physician.Up to the overall maximum limit.Age 70 to 79: Up to the overall maximum limit or 100,000, whichever is lowerUnder age 70: Up to the overall maximum limit.Up to 25,000 lifetime maximum for Emergency Medical Evacuation.Up to 50,000 lifetime maximum. Eligible medical expenses only.Up to 300 – not subject to deductibleUp to 150. 50 deductible per occurrence (plan deductible is waived).Emergency Room Co-paymentUrgent Care CenterOutpatient Physical Therapy and Chiropractic CareAll Other Eligible Medical ExpensesAcute Onset of Pre-existing Condition (excludes chronic andcongenital conditions) (only available to members under age 80)TerrorismEmergency Dental (Acute Onset of Pain)Emergency Eye Exam for a Covered LossEMERGENCY TRAVEL BENEFITSEmergency Medical EvacuationReturn of Minor ChildrenPet ReturnRepatriation of RemainsEmergency ReunionNatural Disaster – Replacement AccommodationsTrip InterruptionTravel DelayLost Checked LuggageLost or Stolen Passport/Travel VisaPolitical EvacuationLIMITUp to 1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition.– not subject to deductible or overall maximum limitUp to 50,000 – not subject to deductibleUp to 1,000 – not subject to deductibleUp to the overall maximum limit – not subject to deductibleUp to 100,000, subject to a maximum of 15 days – not subject to deductibleUp to 250 a day for 5 days – not subject to deductibleUp to 10,000 – not subject to deductibleUp to 100 a day after a 12-hour delay period requiring an unplanned overnight stay. Subject to a maximum of 2days.– not subject to deductibleUp to 1000 – not subject to deductibleUp to 100 – not subject to deductibleUp to 100,000 lifetime maximum – not subject to deductibleAccidental Death & Dismemberment (excludes loss due to common carrier accident) 250,000 maximum benefit any one family or group.– not subject to deductible or overall maximum limitOptional Accidental Death & Dismemberment Rider (onlyavailable to members age 18 through age 69)Common Carrier Accidental DeathAges 18 through 69Under age 18Ages 70 through 74Ages 75 and olderCrisis Response - Ransom, Personal Belongings, and CrisisResponse Fees and ExpensesHospital IndemnityPersonal LiabilityOptional Personal Liability RiderBedside VisitBorder Entry ProtectionAges 18 through 69Lifetime Maximum - 25,000Death - 25,000Loss of 2 Limbs - 25,000Loss of 1 Limb - 12,500Under age 18Lifetime Maximum - 5,000Death - 5,000Loss of 2 Limbs - 5,000Loss of 1 Limb - 2,500Lifetime Maximum - 25,000Ages 70 through 74Lifetime Maximum - 12,500Death - 12,500Loss of 2 Limbs - 12,500Loss of 1 Limb - 6,250Ages 75 and olderLifetime Maximum - 6,250Death - 6,250Loss of 2 Limbs - 6,250Loss of 1 Limb - 3,125Death - 25,000Loss of 2 Limbs - 25,000Loss of 1 Limb - 12,500- not subject to deductible or overall maximum limit 50,000 10,000 25,000 12,500Subject to a maximum of 250,000 any one family or group.- not subject to deductible or overall maximum limitUp to 10,000 – not subject to deductible or overall maximum limit 100 per day of inpatient hospitalization – not subject to deductibleUp to: 25,000 lifetime maximum 25,000 third person injury 25,000 third person property 2,500 related third person property– not subject to deductible or overall maximum limitUp to 75,000 lifetime maximum - not subject to deductible or overall maximum limitUp to 1,500 – not subject to deductibleUp to 500 if traveling on a valid B-2 visa and denied entrance at the U.S. border– not subject to deductible
International CoverageEmergency Medical Evacuation andEmergency ReunionWould you know what to do if you foundyourself in a life-threatening situationfar from home? Tokio Marine HCC - MISGroup is experienced in arranging emergency medical evacuations. Atlas Groupwrong place at the wrong time, and theup to the medical coverage life timecountry or region you’re visiting is NOTmaximum for eligible medical expenses.under a level 3 or level 4 travel advisory,If you are younger than 80, you may beAtlas Group offers coverage for eligiblecovered for an acute onset of a **pre-ex-medical expenses resulting from thoseisting condition. This also includes upacts. Coverage excludes countries orto a 25,000 lifetime maximum forregions for which the U.S. Departmentemergency medical evac-uation.of State has issued a level 3 (“reconsiderAn acute onset of a pre-existing conditiontravel”) or level 4 (“do not travel”) advisoryis a sudden and unexpected outbreak orin the 6 months prior to your arrival date.recurrence of a pre-existing condition whichPolitical Evacuationoccurs spontaneously and without advanceIf, during the coverage period and afterwarning either in the form of physicianyour arrival, the U.S. Department of Staterecommendations or symptoms. Treatmentissues a level 3 or level 4 travel advisorymust be obtained within 24 hours of thefor your destination country, Atlas Groupsudden and unexpected outbreak or recur-will coordinate your alternate departurerence. Chronic and congenital conditions arearrangements from that country and coverexcluded from coverage.eligible associated costs.Hospitalization & Outpatient Treatmentto transport you from an initial treatingNatural Disaster Benefit – ReplacementIf a covered illness or injury requiresfacility to the nearest hospital qualified toAccommodationshospitalization, the plan provides coveragetreat your life-threatening condition. WeNatural disasters can happen anywherefor eligible costs associated with hospital-also understand the importance of familyand at any time. If a natural disaster occursization, including intensive care unit andsupport in these difficult situations. Atlaswhile on your trip, causing you to becomeoutpatient treatment. Sports CoverageGroup will also cover the transportation,displaced from your planned and paidAtlas Group includes coverage for eligiblelodging, and meal costs for a relative toaccommodations, Atlas Group will provideinjuries and illnesses that could occurjoin you after a covered emergency medi-relief of a maxi-mum of 250 a day for 5while participating in many popularcal evacuation, up to the lifetime limit.days to help cover the costs of alternativevacation sports - skiing, snowboarding,Repatriation of Remainsaccommodations.snorkeling, water skiing, and others - atWhat would your family do if disasterHospital Indemnitystrikes while you are away from home?If you are hospitalized, the world aroundThe death of a loved one is never easy,you does not stop. What’s more, in someno matter the circumstances. In theplaces hospitals do not provide theirAtlas Group includes coverage for eligibleunfortunate event of your death whilepatients basic necessities like meals, tooth-injuries and illnesses that could occur whiletraveling abroad, Atlas Group will arrangepaste or soap. If you are hospitalized as anparticipating in many popular vacation sportsfor and cover eligible costs associated withinpatient for treatment of a covered illness- skiing and snowboarding (recreationalthe repatriation of your remains.or injury, Atlas Group will provide 100 fordownhill and/or cross country), snorkeling,Return of Minor Childreneach night you spend in the hospital.water skiing, and others- at no additionalAtlas Group* Quality Benefitscost. Certain extreme sports are excludedwill cover eligible expenses necessaryIf you are expected to be hospitalized forsports are excluded from coverage.more than 36 hours due to a covered injuryAcute Onset of Pre-Existing Conditionsor illness, and covered children under 18Atlas Group provides a limited benefityears of age will be left unattended as aresult, Atlas Group will cover the transportation cost for the children to return home.TerrorismIn these turbulent times, the risk of aterrorist attack is a reality. If you are in theno additional cost. Certain extremeSports Coveragefrom coverage.
will pay eligible medical expenses, asdefined herein, for up to 90 days. Thisperiod begins on the first day of diagnosis or treatment of a covered injury orillness incurred while the member wasoutside his or her home country andwhile the certificate was in effect. Thebenefit period applies only to eligiblemedical expenses related to the injuryor illness that began while the certificateComplications of Pregnancywas in effect.Atlas Group offers coverage for compli-Enrollmentcations of pregnancy during the first 26You may access the online quoting andweeks of gestation.purchasing system or you may completeCrisis Responsean application and mail or fax along withAtlas Group offers up to 10,000 (or upto 100,000 if ***additional coverageyour payment to your agent or to TokioHome Country CoverageMarine HCC - MIS Group.Incidental Home Country CoverageClaim Filingresponse expenses, and loss of personalFor individuals with U.S. as home country,You may file a claim by submitting abelongings. This benefit includesfor every three-month period duringClaimant’s Statement and Authorizationaccess to the services of Unity Crisiswhich the member is covered hereunder,form. This form may be found online, inGroup for advice, coordination with lawmedical expenses incurred in the U.S. areClientZone, or you may contact Tokio Marineenforcement, and negotiations during acovered up to a maximum of 15 days.HCC –- MIS Group for a copy. Completekidnapping.For individuals with a home country otheris selected) to offset costs associatedwith kidnapping, such as ransom, crisisthan the U.S., for every three-monthPersonal Liabilityperiod during which the member isAtlas Group offers up to 25,000 (or upcovered hereunder, medical expensesto 100,000 if additional coverage isincurred in the member’s home countryselected) to offset the following typesare covered up to a maximum of 30 days.of court-entered eligible judgments orAny benefit accrued under a singleapproved settlements incurred by thethree-month period does not accumulatemember:to another period. Failure of the member Third-party injuryto continue his or her international trip Damage/loss of a third party’s personalproperty Damage/loss of a related third party’spersonal propertyor the member returning to their homecountry for the sole purpose of obtainingtreatment for an illness or injury thatbegan while traveling shall void anyhome country coverage provided underthe terms of this agreement.Benefit Period Medical CoverageWhile the certificate is in effect, thebenefit period does not apply. Upon termination of the certificate, underwritersthe form, attach all itemized invoicesand payment receipts, and send themto the address shown on the Claimant’sStatement and Authorization form.This insurance is not subject to, and does not providecertain insurance benefits required by the UnitedStates’ Patient Protection and Affordable Care Act(“PPACA”). PPACA requires certain US citizens or USresidents to obtain PPACA compliant health insurance,or “minimum essential coverage.” PPACA alsorequires certain employers to offer PPACA compliantinsurance coverage to their employees. Tax penaltiesmay be imposed on U.S. residents or citizens whodo not maintain minimum essential coverage, and oncertain employers who do not offer PPACA compliantinsurance coverage to their employees. In some cases,certain individuals may be deemed to have minimum essential coverage under PPACA even if theirinsurance coverage does not provide all of the benefitsrequired by PPACA. You should consult your attorneyor tax professional to determine whether this policymeets any obligations you may have under PPACA.Atlas Group is underwritten by Lloyd’s. TokioMarine HCC - Medical Insurance Services Group(MIS Group) is a service company and a member ofthe Tokio Marine HCC group of companies. TokioMarine HCC - MIS Group has authority to enterinto contracts of insurance on behalf of the Lloyd’sunderwriting members of Lloyd’s Syndicate 4141,which is managed by HCC Underwriting AgencyLtd.*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does not amend or otherwise affect theterms and conditions of any insurance policy issued by Tokio Marine HCC -MIS Group or its affiliates. In the event that a policy is inconsistent with the information described herein, the language of the policy will take precedence.**A pre-existing condition is any condition: for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you***A buy-up of an additional 90,000 is available for selection, which includes the added benefit of a 10,000 maximum for natural disaster evacuation.
Outstanding Customer ServiceClient Zone and World Service CenterWorldwide Travel and MedicalAssistanceTokio Marine HCC - MIS Group ClientAtlas Group includes valuable travel andZone is an online account managementmedical assistance services, which areand resource tool available to:available 7 days a week, 365 days a year. Extend coverage and reprint ID cardsContact Tokio Marine HCC - MIS Group to Obtain details about claim filing anddownloading forms Locate providers within the PPONetworkaccess any of these services.Medical Monitoringprofessionals during hospitalization andestablishment of a single for family members to receive ongoingupdates regarding medical status.service representative, contact the TokioProvider ReferralsMarine HCC - MIS Group World ServiceContact information for Western-style med-Center by calling toll-free from variousical facilities, medical and dental practices,countries or by calling collect. The Worldand pharmacies in the destination country.Service Center can provide service inmany different languages.Travel Document ReplacementAssistance with obtaining replacementpassports, birth certificates, visas, airlinetickets, and other travel-related documents.Lost Luggage AssistanceTracking service to assist in locatingContaact UsJames D. SmithGlobal Benefits USA11880 Cobblestone Dr, Suite 204Fishers, IN 46037Phone: 888-541-7776Fax: 877-662-7273E-mail: omA member of the Tokio Marine HCC group of companiesKHE2FFFYH6SP-152-1396Other Travel Assistance Services* Prescription Drug Replacement Emergency Travel Arrangements Dispatch of Physician Translation Assistance Credit Card / Traveler’s Check ReplacementConsultations with attending medicalLog In to Client Zone at:If you prefer to speak to a professionalluggage or other items lost in transit.* For a complete list of available assistance services or for moreinformation, please contact Tokio Marine HCC - MIS Group.Travel and medical assistance services are not insurancebenefits. Any travel or medical assistance service provided isnot a guarantee of any insurance benefit.
Tokio Marine HCC is part of Tokio Marine, a premier global company with a market cap of approximately 30 billion.* Tokio Marine HCC holds a nancial strength rating of AA- for Standard & Poor s and Fitch Ratings and A (Superior) by A.M. Best Company. For more information about Atlas Group, please visit hccmis.com. *At the time of printing.
